By clicking on the Subscribe button, you will be redirected directly to the National Bank credit card application form. Make sure you have the following information on hand: contact details, employment status, income and valid ID.
Take advantage of this Milesopedia exclusive welcome offer: a discount on the annual fee for the first year (a $150 value) and up to 40,000 bonus points, distributed as follows:
Receive over $1,500 worth of benefits and rewards in your first year as a cardholder:
Card features
CONDITIONS – WORLD ELITE CARD PROMOTIONAL OFFER-MILESOPEDIA
Length of the welcome promotion
February 4 to March 31, 2025.
Eligibility conditions:
Description of the promotion
Annual Fee
No annual fee for the first year for the primary cardholder.
We will charge these annual fees to your new card account and then refund them to you. You will receive this refund within five months of opening your account, provided that your account is still open and in good standing. You will see it on your statement as a credit.
Annual fees for cards of other authorized users are not eligible for this promotion.
Reward points
Sign up for payment insurance* for at least the first 3 months.
Within five months of the minimum period of enrolment.
$5,000 in net purchases in the first 3 months
By the end of the 6th month after enrolment **
$10,000 net purchases in the first 6 months
By the end of the 9th month following enrolment **
$15,000 in net purchases during the first 12 months
*To apply for payment insurance, you must complete the Credit Card Payment Protection Plan (CCPP) section in the credit card application form.
**The purchase calculation period starts on the date you sign up for the card. For example, if you sign up for the card on March 15, you have until June 15 to make the required net purchases to receive the 5000 points which will be credited to your account by the end of September 2025.
How total purchases are calculated
The calculation is for the total amount of purchases made through all cards linked to the account. The transactions not included in the calculation are set out in article 1.5 of the À la carte Rewards PlanTM.
Other conditions
*Grocery and restaurant: Points earned on grocery and restaurant purchases depend on the total gross monthly amount charged to the credit card account, regardless of category. Earn 5 points per dollar spent on eligible grocery and restaurant purchases. Earn 5 points per dollar on the first $2,500 in gross monthly purchases charged to the account. Beyond that amount, eligible grocery and restaurant expenses earn 2 points per dollar spent. The total gross monthly amount is calculated based on your monthly billing period. Grocery purchases include any purchase made at a store that primarily sells food, i.e., grocery store, delicatessen, supermarket, greengrocer or specialty food store. Subscriptions to ready-to-cook services and meal delivery services are eligible. Excluded from this definition are retail stores and big-box stores whose main activity is the sale of non-food products. Some merchants may sell the same or similar products or services as eligible merchants, or are separate merchants located on the same premises as eligible merchants, but are classified by Mastercard in different categories. Purchases made at other merchants only qualify for basic rewards points. An in-restaurant purchase refers to a purchase made in a restaurant, including fast-food restaurants, bars, discotheques, nightclubs and taverns.
Gas and Electric Vehicle Charging: To earn 2 points per dollar in purchases, you will need to purchase gas or an electrical vehicle charge from a service station or from certain big-box stores. Some merchants may sell the same or similar products or services as eligible merchants, or are separate merchants located on the same premises as eligible merchants, but are classified by Mastercard in different categories. Purchases made at other merchants are eligible for basic rewards points only.
Recurring bill: Recurring bill payments are defined as payments made monthly or regularly that are automatically deducted by the merchant from your National Bank World Elite Mastercard. Not all merchants offer recurring bill payments, and not all recurring payments are considered recurring bill payments. As a result, some payments may not qualify for Accelerated Rewards points.
À la Carte Travel: To earn 2 points per dollar in purchases, you must make your eligible purchases via the À la carte TravelTM Agency section of our À la carte RewardsTM site.
Other purchases: For example, if you spend $400 monthly on groceries, $200 on gas, $100 on recurring bills and $150 on other purchases, the $850 you spend will generate 2,750 points, broken down as follows: 2,000 points on groceries (since the total gross monthly amount is $850, or less than $2,500), 400 points on gas, 200 points on recurring bills and 150 points on other purchases.
Reimbursement of travel expenses
Clients must submit required documents within the given deadline. Certain conditions may apply. Only the primary cardholder (“Cardholder”) of National Bank World Elite Mastercard whose account is in good standing can request a refund of travel expenses.
Account in good standing” means a credit card account that does not contravene the Credit Card Agreement in any way and on which no restrictions apply.
For example, the annual fees related to the credit card must have been paid in full. The maximum reimbursement of $150 can be claimed from January 1 to December 31 of each year.
Eligible expenses include:
The claim must be submitted within 60 days of the purchase date and accompanied by proof of purchase. Travel expenses must be charged to the National Bank World Elite Mastercard credit card account. The maximum reimbursement amount is $150 per account. The refund will be issued within 7 business days following the request approval date and after receiving all required information.
National Bank reserves the right to request additional supporting documents for validation purposes (e.g. invoices). You must keep all receipts and supporting documents for a period of 12 months from the date of your claim. An amount not claimed in a year cannot be carried over to the following year. You can apply online at rewards.nbc.ca or by calling 1-800-341-8083 (toll-free) and an agent will assist you with your travel claim.
Credit terms
Grace period: No interest will be charged on purchases made during the month, provided the client pays the balance in full within twenty-one (21) days of the statement date. This grace period does not apply to cash advances or balance transfers.
Minimum payment: If your account balance is lower than $10, you must pay the entire balance.
If you reside in the province of Quebec, your minimum payment is the greater of 5% of your account balance, plus any overdue amounts, or $10.
If you live outside Quebec, your minimum payment is 2.5% of your credit card balance, plus any past-due amount or $10, whichever is greater.
Statement of account: a statement of account is sent monthly.
Example of credit charges over a 30-day period
*Variable interest rate in effect on September 1, 2021.
Balance transfer and cash advance are subject to credit approval by National Bank. Each amount transferred cannot be less than $250.
Cash back details
All eligible purchases qualify for 1% cashback when your account is in good standing. Your account is in good standing when you meet the obligations of your credit card agreement (e.g. make the minimum payment by the due date). The cashback will be paid as a credit applied to your account and cannot be paid in cash. An additional cashback of 0.5% is granted on the first $25,000 of eligible gas, grocery and online purchases charged annually to your credit card account. The additional cashback of 0.5% does not apply when the total of your annual eligible purchases exceeds $25,000. Above this amount, the cash back is equivalent to 1% on all eligible purchases. For conditions and restrictions applying to cash back, and for a detailed list of codes associated with participating merchants, please refer to the Accumulation Grid [PDF] and applicable rules [PDF].
Account statement: A statement is sent monthly.
Balance transfer and cash advance are subject to credit approval by National Bank. Each balance transfer must be at least $250.
Card subject to National Bank credit approval. The cash back is 1% on restaurant purchases and on recurring pre-authorized payments when settled by automatic recurring payments on your macro-credit account. The 0.5% discount applies to all other eligible purchases during a billing cycle. Account must be in good standing at time of rebate payment.Your account is in good standing when you meet the obligations of your credit card agreement (e.g., make the minimum payment by the due date). Eligible pre-authorized payments are defined as regular payments that are automatically charged to your credit card by a merchant. Balance transfers, cash advances and card fees are not included in the rebate calculation. For more information on the conditions and restrictions applying to cash back, consult theCash Back Program[PDF].
Mobile device protection
Subject to purchase of device with card or telephony service subscription paid by recurring pre-authorized payments from your macro-credit account.
®MASTERCARD is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. National Bank is an authorized user.
®NATIONAL BANK and the NATIONAL BANK logo are registered trademarks of National Bank of Canada.
TM mycredit is a trademark of National Bank of Canada.
The cashback is based on a point-accumulation system. You get 1 point for every $2 you spend using your Allure Mastercard® credit card, providing your account is in good standing. Once a year, in January, you will receive a $10 cashback for every 1,000 points earned. Your account is in good standing when you meet the obligations of your credit card agreement (for example, making the minimum payment by the due date). Interest charges, annual fees, balance transfers, cash advances, service charges, insurance premiums, Mastercard promotional cheques and refunded purchase amounts are not eligible for point accumulation. For details, see the Terms and conditions [PDF] [PDF].
Discount on gift cards
The 10% discount on gift cards applies to the total amount of the purchase on yourallure.ca. Gift cards are redeemable at participating Allure partners: Amerispa, Banana Republic, Gap, Old Navy and Winners/HomeSense/Marshalls. Choice of gift card amounts: $25, $50 or $100 (subject to partner availability). No discount will be given in store upon presentation of the Allure card. Gift cards cannot be replaced in the event of damage, loss or theft. The list of Allure partners is subject to change without notice. Gap, Old Navy and Banana Republic gift cards can be used at all Gap, Old Navy and Banana Republic stores in North America. Gift cards are redeemable for in-store merchandise only. For questions about Gap, Old Navy and Banana Republic gift cards, call 1 800 GAP-STYLE, 1 800 OLD-NAVY and 1 888 BR-STYLE respectively.
Interest rates
“Base Rate” means the variable annual interest rate publicly announced by the Bank from time to time as the reference rate used to establish the interest rate on Canadian dollar demand loans made by the Bank in Canada.
The interest rate for the SYNCRO card consists of a variable prime rate set by National Bank plus a fixed adjustment rate of 4% for purchases and 8% for balance transfers and cash advances. Please note that the annual interest rate for the SYNCRO card will not be less than 8.9% for purchases and 12.9% for balance transfers and cash advances.
Purchase Insurance
This coverage applies to purchases charged to the National Bank Syncro card. Extended warranty coverage applies to most new items purchased with the card, in Canada or abroad, as long as the manufacturer’s warranty is valid in Canada. Certain conditions and restrictions apply. For more information and for details of your insurance coverage, please consult the insurance certificate associated with your card.
Savings are here (if you don’t see the sign-up form, please click here):
